Is the Chase United Club Card worth $695?

Two $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.

Next reset: November 1, 2026

Up to $200 per anniversary year on purchases made directly with JSX. Automatic.

Resets on your own card year — a date only you know.

Up to $200 per anniversary year (the year that starts on your account open date) on prepaid ("Pay Now") bookings made directly through Renowned Hotels and Resorts for United Cardmembers. Automatic.

Resets on your own card year — a date only you know.

"Earn up to $12 back as a statement credit each month from January to November and up to $18 back as a statement credit in December," up to $150 per calendar year. "You must enroll to receive this benefit. You will receive this benefit starting the day after enrollment, continuing each month through the end of the calendar year."

Next reset: January 1, 2027

$50 in United TravelBank cash on each of your 1st and 2nd eligible Avis or Budget rentals, up to $100 per anniversary year. Book at cars.united.com; 2-day minimum rental. Paid as United TravelBank cash, not a statement credit.

Resets on your own card year — a date only you know.

One statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. Purchases through third parties such as travel agencies or application assistance services are not eligible.

We have not confirmed the reset date with the issuer.

ENROLLMENT REQUIRED: the primary cardmember must enroll at united.com/AvisChaseBenefit. Allow up to 7 business days after enrolling. Once enrolled, the Avis Preferred number must be included in each Avis reservation or the benefits do not apply. Primary cardmember only. No dollar value is stated in the terms.

1 Premier Qualifying Point per $15 in net purchases, including authorized-user purchases, up to 28,000 PQP within the calendar year. Applies toward Premier status tiers up to and including Premier 1K. NEITHER THE RATE NOR THE CAP IS FIXED: the terms say PQP earn rate, annual cap and qualification requirements may vary by MileagePlus program year and card type, and that United calculates them at its discretion. Allow 6 to 8 weeks after qualifying purchases to post. Paid in PQP, not dollars.

Next reset: January 1, 2027

1,500 Card Bonus Premier Qualifying Points, posted within 6 to 8 weeks after February 1 each year. No spend required. The account must be open as of December 31 of the prior year and open and not in default at fulfillment. These PQP do NOT count toward the 28,000 PQP calendar-year cap earned from spend. United reserves the right to remove them if the account is closed or downgraded during the qualification year. Paid in PQP, not dollars.

Next reset: February 1, 2027

Unlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). Chase states the validity two ways: through the following calendar year, or through the end of the next United program year. Purchases made on a different United card before an upgrade do not count toward the threshold.

Requires $50,000 qualifying spend to unlock

Next reset: January 1, 2027

DOUBLE-CONDITIONAL: four passes are deposited after each cardmember anniversary only if the primary cardmember has United Club All Access membership AND an authorized user at the time of anniversary. No All Access - meaning under $50,000 spend and below Premier Gold - means no passes regardless of the authorized user. Allow 4 weeks to post, and 3 weeks from adding an authorized user before that user may redeem a pass without the primary present. The airline limits each pass to the three hours immediately prior to scheduled departure, and excludes Polaris, Arrivals, Partner and Club Fly locations (airline terms, not issuer terms).

Resets on your own card year — a date only you know.

REGISTRATION REQUIRED: the primary cardmember must register at united.com/ihgstatus. Allow 4 weeks for IHG to process. Status is held only while the credit card account remains open and the IHG One Rewards membership remains in good standing. Primary cardmember only. No dollar value is stated in the terms.

Primary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.

25% back as a statement credit on food, beverage and Wi-Fi purchases on board United and United Express operated flights, on Wi-Fi subscriptions, and on premium drink purchases at United Clubs. Authorized-user purchases on the account also qualify. NO CAP IS PUBLISHED anywhere in the terms - an uncapped percentage credit is unusual and is flagged for re-verification. Posts within 24 hours of the onboard purchase posting, unlike every other credit on this card, which takes 6 to 8 weeks. Value 0 because the benefit is a percentage with no stated ceiling, not a fixed amount.

We have not confirmed the reset date with the issuer.

Primary cardmembers book United and United Express award flights with at least 10% fewer miles, or at least 15% fewer with MileagePlus Premier status. Separately, award flights in United Economy on United or United Express cost 10% fewer miles.

We have not confirmed the reset date with the issuer.

Priority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.

Primary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.